| Motorbike or motorcycle insurance is | | | | bike insurance quotes may or may not include |
| something you legally have to have if you are | | | | extras. Examples are 'riding other bikes', |
| riding a motorbike on a public road. | | | | enabling you to ride your mate's bike, |
| Alternatively you obviously need moped | | | | breakdown cover, legal assistance cover and |
| insurance or scooter insurance if riding a | | | | whether you have equivalent cover to ride |
| scooter or moped! | | | | abroad. Some motorbike insurance providers |
| | | | include these as standard, others offer them |
| The process of getting motorbike insurance is | | | | as optional extras. |
| seldom fun and can be a bit of a chore, but | | | | |
| the way to make it more rewarding is by | | | | Type of cover and excess |
| thinking that if you put in a bit of effort | | | | |
| and do it properly, the right motorcycle | | | | You will need to make a choice as to what |
| insurance policy will save you a stack of | | | | type of cover you want. Comprehensive is not |
| cash. | | | | always as expensive as you might expect but |
| | | | can come with a high excess. Third Party |
| Getting a Quote | | | | Fire and Theft is worth considering if your |
| | | | bike is a few years old and Third Party Only |
| You will need to start by deciding which | | | | if it is worth less than 1000 pounds as the |
| providers of motorbike insurance you will get | | | | excess starts to become a significant |
| a quote from, how you will find them and how | | | | proportion of the bike's value. |
| many bike insurance quotes you are going to | | | | |
| get. Generally around half a dozen | | | | The excess is the amount deducted from the |
| motorcycle insurance quotes should be enough, | | | | payment of any claim that you make - it is |
| and the other decision you need to make is | | | | the amount that you have to pay. |
| do you use the internet or the telephone (or | | | | |
| both). | | | | Calling the Provider |
| | | | |
| The most popular way of obtaining the quotes | | | | So you have your shortlist. You now need to |
| is to use the web to get quotes initially and | | | | confirm all the details of your motorbike |
| then follow up with a phone call to the two | | | | insurance quote over the phone with them, |
| or three bike insurance quotes you favour. | | | | both the cost and what benefits are included |
| The web is also a good way of choosing who to | | | | in the price; occasionally the price given |
| contact in the first place; simply google / | | | | over the internet mysteriously increases when |
| motorbike insurance / bike insurance / | | | | you ring through. |
| motorcycle insurance / moped insurance / | | | | |
| scooter insurance, or another search engine | | | | Choosing your Motorcycle Insurance Provider |
| of your choice, and you will have no end of | | | | |
| bike insurance providers to click through to. | | | | Having confirmed all the details and spoken |
| | | | to all on your shortlist you now need to make |
| Click through to about six in turn (the exact | | | | a final choice. |
| figure you choose is up to you). The boring | | | | |
| bit is you will have to fill different | | | | The most sensible criteria to use are: |
| motorcycle insurance quote forms in each | | | | |
| time, asking the same information. | | | | (i) Price (obviously!) |
| | | | |
| Remember to be prepared and have any | | | | (ii) What benefits are included |
| information you need to hand as in order to | | | | |
| provide you with an accurate motorbike | | | | (iii) How they came across when you spoke to |
| insurance quote various items are required - | | | | them? How experienced/professional did they |
| details of any convictions you have, any | | | | come across and what sort of attitude did |
| accidents or claims, how much no claims bonus | | | | they have? Did they inspire confidence? |
| etc etc. All of these things affect | | | | |
| motorbike insurance premiums but can be found | | | | Clearly how you weigh up these three criteria |
| on your driving licence or existing policy | | | | is up to you, as is the final decision! |
| documents. | | | | |
| | | | Conclusion |
| What's included in the motorcycle insurance | | | | |
| quote - other benefits. | | | | Finding a motorbike insurance provider is an |
| | | | important though unfortunately an unexciting |
| Once you have got the number of quotes, make | | | | task. If you apply a method to it as |
| a short list of, say, three, providers to | | | | described above then you can be confident |
| call but you need to decide how you are going | | | | that you have done it properly and made an |
| to choose them. Besides choosing on price | | | | informed and correct choice. |
| you need to take into account that different | | | | |